Compare. Protect. Save.
We help you find the best home insurance at the best price.
Your home is your castle.
We help you protect it.
Guardian Service brings you personalized insurance options from A-rated carriers, combining the best of independent agents with cutting edge digital technology.

Why Guardian Service?
What Guardian Service Protects
We offer a wide range of policies, from basic to premium coverage, ensuring your home and belongings are protected against unexpected events.
Our policies cover your belongings, with options for replacement cost or actual cash value coverage.
How It Works
Tell us about your
current coverage.
We do the
homework.
We show you how
you can save money.
Find out if your plan is really the best pairing of coverage and savings.
Guardian Service’s Customer Experience
- Access to A-rated carriers
- Consultative approach to understand your unique needs
- Digital convenience with human expertise
- Comprehensive, personalized quote presentations
- White-glove service for purchasing and switching policies
- Proactive follow-up and continuous rate shopping
- 24/7 customer support
Why Homeowners Choose Guardian Service
“The water started welling up in my bathroom, and I quickly realized my sewer line was damaged. I called Guardian Service, and they sent a plumber out to assess and resolve the issue that same day. They also send me a honey-baked ham for Thanksgiving. Phenomenal service.”
Allen Foster
“I can’t believe how easy and painless Guardian Service made my insurance shopping experience. The agent took the time to truly understand my needs and goals, then presented me with multiple personalized quotes in a detailed, easy-to-understand format. The convenience of meeting over Zoom from my own home was fantastic. What really impressed me was how they handled everything – from canceling my old policy to setting up the new one. It’s such a relief to know they’re always looking for better rates on my behalf. I feel like I finally have an insurance partner who’s genuinely looking out for my best interests.”
Deanna Labedz
“I’ve been with the same insurance company for years, never really thinking about shopping around. When Guardian Service reached out, their approach completely changed my perspective on insurance. The agent took the time to explain my coverage in plain English and showed me options I didn’t even know existed. What really impressed me was how they found ways to improve my coverage while still saving me money. Their ‘always-on’ shopping promise gives me peace of mind knowing I’ll always have the best rates. It’s not just about insurance anymore – Guardian Service feels like a true partner in protecting my family’s future.”
Kathryn Marker
“Guardian Service secured homeowners insurance when two prior brokers failed for my historic, Art Deco home. Their expert agents dug deeper and quickly resolved all issues.”
Christopher R.
“I’m impressed with Guardian Service’s digital platform and personalized service. They found me great coverage at a competitive rate, and their agents were always there to answer my questions.”
Emily K.
FAQs
How much coverage do I need?
The amount of coverage you need depends on several factors:
- The estimated cost to rebuild your home (replacement cost)
- The value of your personal belongings
- The structures on your property (e.g., garage, shed, fences)
- Your liability risk
It's important to have enough coverage to rebuild your home, replace your belongings, and protect your assets in case of a lawsuit. Don't base your coverage on your home's market value or mortgage amount, as these may not accurately reflect rebuilding costs
What does a standard homeowners insurance policy cover?
A standard homeowners insurance policy typically includes:
- Dwelling coverage (for the structure of your home)
- Other structures coverage (for detached structures like garages or sheds)
- Personal property coverage (for your belongings)
- Liability coverage (for accidents on your property)
- Additional living expenses coverage (if you can't live in your home due to a covered loss)
However, standard policies often exclude coverage for floods, earthquakes, and certain other events.
How can I lower my insurance premiums?
There are several ways to potentially lower your home insurance premiums:
- Increase your deductible
- Bundle your home and auto insurance
- Install security systems or safety devices
- Improve your credit score
- Ask about available discounts (e.g., multi-policy, claim-free, new roof)
- Shop around and compare quotes from multiple insurers
Remember that while a higher deductible can lower your premium, make sure you can afford to pay it if you need to file a claim.
What additional coverages should I consider?
Depending on your situation, you might want to consider:
- Flood insurance (especially if you live in a flood-prone area)
- Earthquake insurance (if you live in a seismically active region)
- Valuable items coverage (for high-value possessions like jewelry or art)
- Water backup coverage
- Home business coverage (if you work from home)
Your insurance agent can help you determine which additional coverages might be appropriate for your specific needs.
Why Guardian Service?
- Choice across multiple carriers
- Convenience with a human touch
- Always-on price protection
- 7-star customer experience